2024 NAIC first-time pass-rate data

Insurance Exam Pass Rates by State: How Hard Is the Insurance Licensing Exam?

If you are wondering how hard the insurance licensing exam is, the honest answer is: it depends on your state, your license line, and whether you study with material built for the exam you are actually taking. This guide breaks down 2024 insurance exam pass rates by state and line of authority, then turns the numbers into practical insurance exam study tips.

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Data note: The tables below use the 2024 NAIC pass-rates compiled by GetTheLicense.org. Figures are for English-language insurance licensing exams and first-time test takers. The pass rate shown combines in-person and remote first-time test takers where remote data was reported. The table contains 50 jurisdictions including the District of Columbia; Kentucky did not report.

Quick answer: The state insurance licensing exam is NOT easy.

Across the USA in 2024, there were 498,110 first-time insurance exam attempts and 295,726 first-time passers, for an overall first-time pass rate of 59.4%. That means the insurance exam is very passable, but it is not a casual skim-and-click test. Most candidates need a structured plan, repeated practice questions, and focused review of state-specific rules.

498,110First-time test attempts in this dataset
295,726First-time passers
59.4%Overall first-time pass rate
50Jurisdictions in table

National insurance exam pass rates by line

The table below groups similar exam titles into practical license-line categories. State exam names vary, so use this as a national study signal, then read your state table for the line name candidates actually saw in 2024.

Exam category First-time test takers First-time passers 2024 first-time pass rate Jurisdictions reporting
Life and Health 141,058 84,698 60.0% 31
Life 173,453 99,264 57.2% 50
Health 63,733 40,642 63.8% 49
Property and Casualty 56,246 32,255 57.3% 32
Property 19,258 11,427 59.3% 44
Casualty 19,373 12,752 65.8% 44
Personal Lines 24,989 14,688 58.8% 47

The strongest category in this dataset is Casualty at 65.8%. The lowest national category shown here is Life at 57.2%.

Translation: Your line of authority matters, but your prep plan matters more.

Where candidates did best and worst overall

Looking across each jurisdiction’s reported lines, the highest overall first-time pass rates in the supplied 2024 workbook were: Illinois (75.7%), Tennessee (70.6%), Colorado (69.2%), Indiana (65.4%), California (64.2%). The lowest overall first-time pass rates were: New Hampshire (46.3%), Massachusetts (45.4%), Vermont (45.3%), District of Columbia (36.6%), New Mexico (27.3%). These rankings should be read with a little caution because the mix of exams, candidate volume, and available remote-testing data differs by state.

Insurance exam study tips: How to pass the insurance license exam

Pass rates are useful, but they are rearview-mirror numbers. Your job is to turn them into a study plan. Here is the practical playbook.

  • Study for your exact state and line.
    Do not rely on generic material alone. State rules, exam vendors, and content outlines are different.
  • Use practice questions early.
    Practice exams are not just a final check. They teach you how the test asks questions.
  • Track missed topics.
    Every missed question is a map pin. Group misses by topic and review the weakest areas first.
  • Separate memorization from judgment.
    Definitions matter, but the exam often asks you to apply a rule to a scenario.
  • Take timed final exams.
    Before test day, build the muscle of finishing under time pressure without panic-clicking.
  • Do a 24-hour final review.
    Use a short cheat sheet or condensed notes to refresh formulas, policy parts, exclusions, and state-specific rules.

Alabama insurance exam pass rates

In 2024, Alabama reported 5,752 first-time insurance licensing exam attempts in the lines below, with 3,650 first-time passers and an overall first-time pass rate of 63.5%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Life 1,140 711 62.4%
Life and Health 2,532 1,734 68.5%
Health 266 167 62.8%
Property 7 3 42.9%
Casualty 8 6 75.0%
Property and Casualty 1,220 729 59.8%
Personal Lines 579 300 51.8%
The friendliest line in Alabama appears to be Life and Health, where first-time candidates cleared the exam at 68.5%. Watch-out: The tougher patch is Personal Lines at 51.8%, so candidates in that line should spend extra time on weak-area review. Interesting: Volume tells its own story: Life and Health drew 2,532 first-time candidates, making it the main signal in the state table. A few rows have very small sample sizes, which can make a pass rate swing wildly from just one or two exams.

41.5% of first time test takers fail the Alabama Life & Health exam. Start studying with 150 Free Alabama L&H insurance exam practice questions to ensure you pass on your first attempt!

40.2% of first time test takers fail the Alabama Property & Casualty exam. Start studying with 100 Free Alabama P&C insurance exam practice questions to ensure you pass on your first attempt!

Alaska insurance exam pass rates

In 2024, Alaska reported 741 first-time insurance licensing exam attempts in the lines below, with 443 first-time passers and an overall first-time pass rate of 59.8%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Life 276 160 58.0%
Health 156 97 62.2%
Property 140 85 60.7%
Personal 24 14 58.3%
Casualty 145 87 60.0%
Alaska gives candidates a nice foothold with Health, the strongest line in the 2024 data at 62.2%. Watch-out: The more stubborn test in the set is Life at 58.0%, which is a good reminder not to coast on broad insurance knowledge. Interesting: The biggest crowd sat for Life with 276 first-time test takers, so that line heavily shapes the state’s overall 59.8% pass rate. Remote testing was reported on 5 lines, so candidates may want to compare the in-person and remote experience where both are available. A few rows have very small sample sizes, which can make a pass rate swing wildly from just one or two exams.

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Arkansas insurance exam pass rates

In 2024, Arkansas reported 4,339 first-time insurance licensing exam attempts in the lines below, with 2,527 first-time passers and an overall first-time pass rate of 58.2%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Health Producer 1,450 963 66.4%
Life Producer 1,998 1,112 55.7%
Personal Lines Producer 153 87 56.9%
Property and Casualty Producer 738 365 49.5%
Arkansas gives candidates a nice foothold with Health Producer, the strongest line in the 2024 data at 66.4%. Watch-out: The more stubborn test in the set is Property and Casualty Producer at 49.5%, which is a good reminder not to coast on broad insurance knowledge. Interesting: The biggest crowd sat for Life Producer with 1,998 first-time test takers, so that line heavily shapes the state’s overall 58.2% pass rate. Remote testing was reported on 4 lines, so candidates may want to compare the in-person and remote experience where both are available.

Editorial note: In Arkansas a certificate of completion from an approved course must be submitted to the state’s board of insurance to move your application forward. GetTheLicense.org recommends Achievable.me

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Arizona insurance exam pass rates

In 2024, Arizona reported 16,732 first-time insurance licensing exam attempts in the lines below, with 8,859 first-time passers and an overall first-time pass rate of 52.9%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Life 5,078 2,470 48.6%
Accident and Health or Sickness 986 570 57.8%
Life Accident and Health or Sickness 5,804 3,242 55.9%
Property and Casualty 2,430 1,314 54.1%
Property 17 10 58.8%
Casualty 20 9 45.0%
Personal Lines 2,397 1,244 51.9%
Arizona gives candidates a nice foothold with Accident and Health or Sickness, the strongest line in the 2024 data at 57.8%. Watch-out: The more stubborn test in the set is Life at 48.6%, which is a good reminder not to coast on broad insurance knowledge. Interesting: The biggest crowd sat for Life Accident and Health or Sickness with 5,804 first-time test takers, so that line heavily shapes the state’s overall 52.9% pass rate. Remote testing was reported on 7 lines, so candidates may want to compare the in-person and remote experience where both are available. A few rows have very small sample sizes, which can make a pass rate swing wildly from just one or two exams.

44.1% of first time test takers fail the Arizona Life & Health exam. Start studying with 150 Free Arizona L&H insurance exam practice questions to ensure you pass on your first attempt!

45.9% of first time test takers fail the Arizona Property & Casualty exam. Start studying with 100 Free Arizona P&C insurance exam practice questions to ensure you pass on your first attempt!

California insurance exam pass rates

In 2024, California reported 43,671 first-time insurance licensing exam attempts in the lines below, with 28,015 first-time passers and an overall first-time pass rate of 64.2%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Accident and Health Agent Examination 3,292 2,611 79.3%
Casualty Broker-Agent Examination 69 31 44.9%
Life, Accident and Health Agent Examination (Life Agent) 16,349 10,941 66.9%
Life-Only Agent Examination 17,663 11,221 63.5%
Personal Lines Broker-Agent Examination 1,793 714 39.8%
Property Broker-Agent and Casualty Broker-Agent Examination 4,475 2,481 55.4%
Property Broker-Agent Examination 30 16 53.3%
The friendliest line in California appears to be Accident and Health Agent Examination, where first-time candidates cleared the exam at 79.3%. Watch-out: The tougher patch is Personal Lines Broker-Agent Examination at 39.8%, so candidates in that line should spend extra time on weak-area review. Interesting: Volume tells its own story: Life-Only Agent Examination drew 17,663 first-time candidates, making it the main signal in the state table. Pass rates also spread by roughly 39 percentage points across reported lines, so line choice matters more here than the statewide average suggests. Remote testing was reported on 7 lines, so candidates may want to compare the in-person and remote experience where both are available.

Editorial note: In California a certificate of completion from an approved 12 hour ethics course must be submitted to the state’s board of insurance to move your application forward. To satisfy this requirement GetTheLicense.org recommends Achievable.me

33.1% of first time test takers fail the California Life & Health exam. Start studying with 150 Free California L&H insurance exam practice questions to ensure you pass on your first attempt!

44.6% of first time test takers fail the California Property & Casualty exam. Start studying with 100 Free California P&C insurance exam practice questions to ensure you pass on your first attempt!

Colorado insurance exam pass rates

In 2024, Colorado reported 12,962 first-time insurance licensing exam attempts in the lines below, with 8,969 first-time passers and an overall first-time pass rate of 69.2%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Life 5,271 3,739 70.9%
Health 3,382 2,303 68.1%
Property 1,880 1,358 72.2%
Casualty 1,923 1,278 66.5%
Personal 506 291 57.5%
The bright spot in Colorado is Property, which posted the best first-time pass rate at 72.2%. Watch-out: The caution flag belongs to Personal, with a first-time pass rate of 57.5%. Interesting: The most-used exam path was Life, with 5,271 first-time test takers, which makes it the best weather vane for typical candidate experience in the state. Remote testing was reported on 5 lines, so candidates may want to compare the in-person and remote experience where both are available.

Editorial note: In Colorado a certificate of completion from an approved course must be submitted to the state’s board of insurance to move your application forward. To satisfy this pre-licensing requirement GetTheLicense.org recommends Achievable.me

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Connecticut insurance exam pass rates

In 2024, Connecticut reported 3,296 first-time insurance licensing exam attempts in the lines below, with 2,071 first-time passers and an overall first-time pass rate of 62.8%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Life 955 577 60.4%
Health 221 106 48.0%
Life/Health 1,488 967 65.0%
Property 6 5 83.3%
Casualty 6 4 66.7%
Property/Casualty 519 356 68.6%
Personal 101 56 55.4%
The friendliest line in Connecticut appears to be Property/Casualty, where first-time candidates cleared the exam at 68.6%. Watch-out: The tougher patch is Health at 48.0%, so candidates in that line should spend extra time on weak-area review. Interesting: Volume tells its own story: Life/Health drew 1,488 first-time candidates, making it the main signal in the state table. Remote testing was reported on 7 lines, so candidates may want to compare the in-person and remote experience where both are available. A few rows have very small sample sizes, which can make a pass rate swing wildly from just one or two exams.

Editorial note: In Connecticut a certificate of completion from an approved course must be submitted to the state’s board of insurance to move your application forward. To satisfy this pre-licensing requirement GetTheLicense.org recommends Achievable.me

35% of first time test takers fail the Connecticut Life & Health exam. Start studying with 150 Free Connecticut L&H insurance exam practice questions to ensure you pass on your first attempt!

31.4% of first time test takers fail the Connecticut Property & Casualty exam. Start studying with 100 Free Connecticut P&C insurance exam practice questions to ensure you pass on your first attempt!

Delaware insurance exam pass rates

In 2024, Delaware reported 1,435 first-time insurance licensing exam attempts in the lines below, with 794 first-time passers and an overall first-time pass rate of 55.3%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Life 659 376 57.1%
Health 404 194 48.0%
Property 168 105 62.5%
Casualty 169 101 59.8%
Personal 35 18 51.4%
Delaware gives candidates a nice foothold with Property, the strongest line in the 2024 data at 62.5%. Watch-out: The more stubborn test in the set is Health at 48.0%, which is a good reminder not to coast on broad insurance knowledge. Interesting: The biggest crowd sat for Life with 659 first-time test takers, so that line heavily shapes the state’s overall 55.3% pass rate.

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District of Columbia insurance exam pass rates

In 2024, District of Columbia reported 530 first-time insurance licensing exam attempts in the lines below, with 194 first-time passers and an overall first-time pass rate of 36.6%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Life 311 97 31.2%
Health 147 69 46.9%
Property 36 14 38.9%
Casualty 36 14 38.9%
District of Columbia gives candidates a nice foothold with Health, the strongest line in the 2024 data at 46.9%. Watch-out: The more stubborn test in the set is Life at 31.2%, which is a good reminder not to coast on broad insurance knowledge. Interesting: The biggest crowd sat for Life with 311 first-time test takers, so that line heavily shapes the state’s overall 36.6% pass rate.

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Florida insurance exam pass rates

In 2024, Florida reported 43,457 first-time insurance licensing exam attempts in the lines below, with 24,763 first-time passers and an overall first-time pass rate of 57.0%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Lifea 10,338 5,702 55.2%
Health 5,527 2,996 54.2%
Life/Health 20,066 11,578 57.7%
Property/Casualty 3,776 2,182 57.8%
Personal 3,750 2,305 61.5%
The bright spot in Florida is Personal, which posted the best first-time pass rate at 61.5%. Watch-out: The caution flag belongs to Health, with a first-time pass rate of 54.2%. Interesting: The most-used exam path was Life/Healtha, with 20,066 first-time test takers, which makes it the best weather vane for typical candidate experience in the state. Remote testing was reported on 5 lines, so candidates may want to compare the in-person and remote experience where both are available.

Editorial note: In Florida a certificate of completion from an approved course must be submitted to the state’s board of insurance to move your application forward. To satisfy this pre-licensing requirement GetTheLicense.org recommends Achievable.me

42.3% of first time test takers fail the Florida Life & Health exam. Start studying with 150 Free Florida L&H insurance exam practice questions to ensure you pass on your first attempt!

42.2% of first time test takers fail the Florida Property & Casualty exam. Start studying with 100 Free Florida P&C insurance exam practice questions to ensure you pass on your first attempt!

Georgia insurance exam pass rates

In 2024, Georgia reported 17,418 first-time insurance licensing exam attempts in the lines below, with 10,733 first-time passers and an overall first-time pass rate of 61.6%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Life 5,219 2,895 55.5%
Health 988 588 59.5%
Life/Health 6,661 4,173 62.6%
Property 32 19 59.4%
Casualty 28 14 50.0%
Property/Casualty 3,366 2,303 68.4%
Personal 1,124 741 65.9%
The bright spot in Georgia is Property/Casualty, which posted the best first-time pass rate at 68.4%. Watch-out: The caution flag belongs to Life, with a first-time pass rate of 55.5%. Interesting: The most-used exam path was Life/Health, with 6,661 first-time test takers, which makes it the best weather vane for typical candidate experience in the state. Remote testing was reported on 7 lines, so candidates may want to compare the in-person and remote experience where both are available.

Editorial note: In Georgia a certificate of completion from an approved course must be submitted to the state’s board of insurance to move your application forward. To satisfy this pre-licensing requirement GetTheLicense.org recommends Achievable.me

47.4% of first time test takers fail the Georgia Life & Health exam. Start studying with 150 Free Georgia L&H insurance exam practice questions to ensure you pass on your first attempt!

41.6% of first time test takers fail the Georgia Property & Casualty exam. Start studying with 100 Free Georgia P&C insurance exam practice questions to ensure you pass on your first attempt!

Hawaii insurance exam pass rates

In 2024, Hawaii reported 2,491 first-time insurance licensing exam attempts in the lines below, with 1,568 first-time passers and an overall first-time pass rate of 62.9%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Life 1,638 964 58.9%
Health 553 391 70.7%
Property 154 101 65.6%
Casualty 141 108 76.6%
Personal 5 4 80.0%
Hawaii gives candidates a nice foothold with Casualty, the strongest line in the 2024 data at 76.6%. Watch-out: The more stubborn test in the set is Life at 58.9%, which is a good reminder not to coast on broad insurance knowledge. Interesting: The biggest crowd sat for Life with 1,638 first-time test takers, so that line heavily shapes the state’s overall 62.9% pass rate. Remote testing was reported on 5 lines, so candidates may want to compare the in-person and remote experience where both are available. A few rows have very small sample sizes, which can make a pass rate swing wildly from just one or two exams.

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Idaho insurance exam pass rates

In 2024, Idaho reported 3,363 first-time insurance licensing exam attempts in the lines below, with 1,751 first-time passers and an overall first-time pass rate of 52.1%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Life 1,322 680 51.4%
Health 895 430 48.0%
Property 539 288 53.4%
Casualty 533 320 60.0%
Personal 74 33 44.6%
The friendliest line in Idaho appears to be Casualty, where first-time candidates cleared the exam at 60.0%. Watch-out: The tougher patch is Personal at 44.6%, so candidates in that line should spend extra time on weak-area review. Interesting: Volume tells its own story: Life drew 1,322 first-time candidates, making it the main signal in the state table. Remote testing was reported on 5 lines, so candidates may want to compare the in-person and remote experience where both are available.

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Illinois insurance exam pass rates

In 2024, Illinois reported 39,798 first-time insurance licensing exam attempts in the lines below, with 30,120 first-time passers and an overall first-time pass rate of 75.7%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Life – General 8,499 6,264 73.7%
Health – General 4,882 3,555 72.8%
Property – General 3,234 2,110 65.2%
Casualty – General 3,274 2,277 69.5%
Personal – General 127 96 75.6%
Life – State 8,433 6,753 80.1%
Health – State 4,812 4,420 91.9%
Property – State 3,194 1,937 60.6%
Casualty – State 3,210 2,636 82.1%
Personal – State 133 72 54.1%
Illinois gives candidates a nice foothold with Health – State, the strongest line in the 2024 data at 91.9%. Watch-out: The more stubborn test in the set is Personal – State at 54.1%, which is a good reminder not to coast on broad insurance knowledge. Interesting: The biggest crowd sat for Life – General with 8,499 first-time test takers, so that line heavily shapes the state’s overall 75.7% pass rate. Pass rates also spread by roughly 38 percentage points across reported lines, so line choice matters more here than the statewide average suggests. Remote testing was reported on 10 lines, so candidates may want to compare the in-person and remote experience where both are available.

Editorial note: In Illinois a certificate of completion from an approved course must be submitted to the state’s board of insurance to move your application forward. To satisfy this pre-licensing requirement GetTheLicense.org recommends Achievable.me

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Indiana insurance exam pass rates

In 2024, Indiana reported 8,895 first-time insurance licensing exam attempts in the lines below, with 5,819 first-time passers and an overall first-time pass rate of 65.4%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Life 2,468 1,461 59.2%
Health 521 302 58.0%
Life/Health 3,823 2,522 66.0%
Property/Casualty 1,626 1,168 71.8%
Personal 457 366 80.1%
The friendliest line in Indiana appears to be Personal, where first-time candidates cleared the exam at 80.1%. Watch-out: The tougher patch is Health at 58.0%, so candidates in that line should spend extra time on weak-area review. Interesting: Volume tells its own story: Life/Health drew 3,823 first-time candidates, making it the main signal in the state table. Remote testing was reported on 5 lines, so candidates may want to compare the in-person and remote experience where both are available.

Editorial note: In Indiana a certificate of completion from an approved course must be submitted to the state’s board of insurance to move your application forward. To satisfy this pre-licensing requirement GetTheLicense.org recommends Achievable.me

34% of first time test takers fail the Indiana Life & Health exam. Start studying with 150 Free Indiana L&H insurance exam practice questions to ensure you pass on your first attempt!

28.2% of first time test takers fail the Indiana Property & Casualty exam. Start studying with 100 Free Indiana P&C insurance exam practice questions to ensure you pass on your first attempt!

Iowa insurance exam pass rates

In 2024, Iowa reported 6,056 first-time insurance licensing exam attempts in the lines below, with 3,630 first-time passers and an overall first-time pass rate of 59.9%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Life 2,210 1,290 58.4%
Health 1,761 1,044 59.3%
Property 912 566 62.1%
Casualty 903 590 65.3%
Personal 270 140 51.9%
Iowa gives candidates a nice foothold with Casualty, the strongest line in the 2024 data at 65.3%. Watch-out: The more stubborn test in the set is Personal at 51.9%, which is a good reminder not to coast on broad insurance knowledge. Interesting: The biggest crowd sat for Life with 2,210 first-time test takers, so that line heavily shapes the state’s overall 59.9% pass rate. Remote testing was reported on 5 lines, so candidates may want to compare the in-person and remote experience where both are available.

Get Free Iowa Specific P&C Exam Practice Questions

Get Free Practice questions for the Iowa L&H Exam

Kansas insurance exam pass rates

In 2024, Kansas reported 3,740 first-time insurance licensing exam attempts in the lines below, with 2,071 first-time passers and an overall first-time pass rate of 55.4%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Life 804 407 50.6%
Health 232 130 56.0%
Life/Health 1,590 903 56.8%
Property 17 4 23.5%
Casualty 7 1 14.3%
Property/Casualty 1,046 592 56.6%
Personal 44 34 77.3%
The bright spot in Kansas is Life/Health, which posted the best first-time pass rate at 56.8%. Watch-out: The caution flag belongs to Life, with a first-time pass rate of 50.6%. Interesting: The most-used exam path was Life/Health, with 1,590 first-time test takers, which makes it the best weather vane for typical candidate experience in the state. Remote testing was reported on 7 lines, so candidates may want to compare the in-person and remote experience where both are available. A few rows have very small sample sizes, which can make a pass rate swing wildly from just one or two exams.

43.2% of first time test takers fail the Kansas Life & Health exam. Start studying with 150 Free Kansas L&H insurance exam practice questions to ensure you pass on your first attempt!

43.4% of first time test takers fail the Kansas Property & Casualty exam. Start studying with 100 Free Kansas P&C insurance exam practice questions to ensure you pass on your first attempt!

Louisiana insurance exam pass rates

In 2024, Louisiana reported 6,095 first-time insurance licensing exam attempts in the lines below, with 2,950 first-time passers and an overall first-time pass rate of 48.4%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Casualty Series 105 8 1 12.5%
Health and Accident or Sickness Series 102 317 157 49.5%
Life Insurance Series 101 1,671 778 46.6%
Life, Health and Accident or Sickness Insurance Series 103 2,517 1,277 50.7%
Personal Lines (Producer) Series 107 452 235 52.0%
Property and Casualty Series 106 1,123 501 44.6%
Property Series 104 7 1 14.3%
The bright spot in Louisiana is Personal Lines (Producer) Series 107, which posted the best first-time pass rate at 52.0%. Watch-out: The caution flag belongs to Property and Casualty Series 106, with a first-time pass rate of 44.6%. Interesting: The most-used exam path was Life, Health and Accident or Sickness Insurance Series 103, with 2,517 first-time test takers, which makes it the best weather vane for typical candidate experience in the state. Remote testing was reported on 7 lines, so candidates may want to compare the in-person and remote experience where both are available. A few rows have very small sample sizes, which can make a pass rate swing wildly from just one or two exams.

49.3% of first time test takers fail the Louisiana Life & Health exam. Start studying with 150 Free Louisiana L&H insurance exam practice questions to ensure you pass on your first attempt!

55.4% of first time test takers fail the Louisiana Property & Casualty exam. Start studying with 100 Free Louisiana P&C insurance exam practice questions to ensure you pass on your first attempt!

Maine insurance exam pass rates

In 2024, Maine reported 1,019 first-time insurance licensing exam attempts in the lines below, with 599 first-time passers and an overall first-time pass rate of 58.8%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Life 388 220 56.7%
Health 120 67 55.8%
Life/Health 244 153 62.7%
Property 27 15 55.6%
Casualty 24 14 58.3%
Property/Casualty 199 118 59.3%
Personal 17 12 70.6%
Maine gives candidates a nice foothold with Life/Health, the strongest line in the 2024 data at 62.7%. Watch-out: The more stubborn test in the set is Health at 55.8%, which is a good reminder not to coast on broad insurance knowledge. Interesting: The biggest crowd sat for Life with 388 first-time test takers, so that line heavily shapes the state’s overall 58.8% pass rate. Remote testing was reported on 4 lines, so candidates may want to compare the in-person and remote experience where both are available. A few rows have very small sample sizes, which can make a pass rate swing wildly from just one or two exams.

37.3% of first time test takers fail the Maine Life & Health exam. Start studying with 150 Free Maine L&H insurance exam practice questions to ensure you pass on your first attempt!

40.7% of first time test takers fail the Maine Property & Casualty exam. Start studying with 100 Free Maine P&C insurance exam practice questions to ensure you pass on your first attempt!

Maryland insurance exam pass rates

In 2024, Maryland reported 5,096 first-time insurance licensing exam attempts in the lines below, with 2,702 first-time passers and an overall first-time pass rate of 53.0%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Accident and Health or Sickness 636 425 66.8%
Casualty 11 5 45.5%
Life 4,351 2,224 51.1%
Personal Lines 87 42 48.3%
Property 11 6 54.5%
The friendliest line in Maryland appears to be Accident and Health or Sickness, where first-time candidates cleared the exam at 66.8%. Watch-out: The tougher patch is Personal Lines at 48.3%, so candidates in that line should spend extra time on weak-area review. Interesting: Volume tells its own story: Life drew 4,351 first-time candidates, making it the main signal in the state table. Remote testing was reported on 5 lines, so candidates may want to compare the in-person and remote experience where both are available. A few rows have very small sample sizes, which can make a pass rate swing wildly from just one or two exams.

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Massachusetts insurance exam pass rates

In 2024, Massachusetts reported 14,373 first-time insurance licensing exam attempts in the lines below, with 6,526 first-time passers and an overall first-time pass rate of 45.4%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Life 7,834 3,177 40.6%
Acc/Hlth or Sick 3,364 1,874 55.7%
Property 1,427 663 46.5%
Casualty 1,266 668 52.8%
Personal Lines 482 144 29.9%
Massachusetts gives candidates a nice foothold with Acc/Hlth or Sick, the strongest line in the 2024 data at 55.7%. Watch-out: The more stubborn test in the set is Personal Lines at 29.9%, which is a good reminder not to coast on broad insurance knowledge. Interesting: The biggest crowd sat for Life with 7,834 first-time test takers, so that line heavily shapes the state’s overall 45.4% pass rate. Pass rates also spread by roughly 26 percentage points across reported lines, so line choice matters more here than the statewide average suggests. Remote testing was reported on 5 lines, so candidates may want to compare the in-person and remote experience where both are available.

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Michigan insurance exam pass rates

In 2024, Michigan reported 11,969 first-time insurance licensing exam attempts in the lines below, with 6,158 first-time passers and an overall first-time pass rate of 51.4%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Accident and Health Producer 743 325 43.7%
Casualty Producer/Solicitor 177 75 42.4%
Life Producer 2,829 1,489 52.6%
Life, Accident and Health Producer 4,446 2,426 54.6%
Life, Variable Life and Annuities Producer 254 187 73.6%
Personal Lines Producer/Solicitor 456 229 50.2%
Property and Casualty Producer/Solicitor 2,553 1,073 42.0%
Property Producer/Solicitor 85 46 54.1%
Variable Life and Annuities Producer 426 308 72.3%
The friendliest line in Michigan appears to be Life, Variable Life and Annuities Producer, where first-time candidates cleared the exam at 73.6%. Watch-out: The tougher patch is Property and Casualty Producer/Solicitor at 42.0%, so candidates in that line should spend extra time on weak-area review. Interesting: Volume tells its own story: Life, Accident and Health Producer drew 4,446 first-time candidates, making it the main signal in the state table. Pass rates also spread by roughly 32 percentage points across reported lines, so line choice matters more here than the statewide average suggests. Remote testing was reported on 9 lines, so candidates may want to compare the in-person and remote experience where both are available.

Editorial note: In Michigan a certificate of completion from an approved course must be submitted to the state’s board of insurance to move your application forward. To satisfy this pre-licensing requirement GetTheLicense.org recommends Achievable.me

45.4% of first time test takers fail the Michigan Life & Health exam. Start studying with 150 Free Michigan L&H insurance exam practice questions to ensure you pass on your first attempt!

58% of first time test takers fail the Michigan Property & Casualty exam. Start studying with 100 Free Michigan P&C insurance exam practice questions to ensure you pass on your first attempt!

Minnesota insurance exam pass rates

In 2024, Minnesota reported 6,071 first-time insurance licensing exam attempts in the lines below, with 3,495 first-time passers and an overall first-time pass rate of 57.6%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Casualty Producer 64 35 54.7%
Accident and Health Producer 666 376 56.5%
Life, Accident and Health Producer 2,110 1,321 62.6%
Life Producer 1,813 928 51.2%
Property and Casualty Producer 1,341 797 59.4%
Property Producer 58 27 46.6%
Personal Lines Producer 19 11 57.9%
The bright spot in Minnesota is Life, Accident and Health Producer, which posted the best first-time pass rate at 62.6%. Watch-out: The caution flag belongs to Property Producer, with a first-time pass rate of 46.6%. Interesting: The most-used exam path was Life, Accident and Health Producer, with 2,110 first-time test takers, which makes it the best weather vane for typical candidate experience in the state. Remote testing was reported on 7 lines, so candidates may want to compare the in-person and remote experience where both are available. A few rows have very small sample sizes, which can make a pass rate swing wildly from just one or two exams.

Editorial note: In Minnesota a certificate of completion from an approved course must be submitted to the state’s board of insurance to move your application forward. To satisfy this pre-licensing requirement GetTheLicense.org recommends Achievable.me

37.4% of first time test takers fail the Minnesota Life & Health exam. Start studying with 150 Free Minnesota L&H insurance exam practice questions to ensure you pass on your first attempt!

40.6% of first time test takers fail the Minnesota Property & Casualty exam. Start studying with 100 Free Minnesota P&C insurance exam practice questions to ensure you pass on your first attempt!

Missouri insurance exam pass rates

In 2024, Missouri reported 8,997 first-time insurance licensing exam attempts in the lines below, with 5,494 first-time passers and an overall first-time pass rate of 61.1%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Life 1,991 1,162 58.4%
Health 626 346 55.3%
Life/Health 4,106 2,575 62.7%
Property 44 19 43.2%
Casualty 37 23 62.2%
Property/Casualty 1,967 1,231 62.6%
Personal 226 138 61.1%
Missouri gives candidates a nice foothold with Life/Health, the strongest line in the 2024 data at 62.7%. Watch-out: The more stubborn test in the set is Health at 55.3%, which is a good reminder not to coast on broad insurance knowledge. Interesting: The biggest crowd sat for Life/Health with 4,106 first-time test takers, so that line heavily shapes the state’s overall 61.1% pass rate. Remote testing was reported on 7 lines, so candidates may want to compare the in-person and remote experience where both are available.

37.3% of first time test takers fail the Missouri Life & Health exam. Start studying with 150 Free Missouri L&H insurance exam practice questions to ensure you pass on your first attempt!

37.4% of first time test takers fail the Missouri Property & Casualty exam. Start studying with 100 Free Missouri P&C insurance exam practice questions to ensure you pass on your first attempt!

Mississippi insurance exam pass rates

In 2024, Mississippi reported 4,342 first-time insurance licensing exam attempts in the lines below, with 2,624 first-time passers and an overall first-time pass rate of 60.4%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Life 1,578 1,016 64.4%
Health 298 164 55.0%
Life/Health 1,528 889 58.2%
Property 11 5 45.5%
Casualty 13 6 46.2%
Property/Casualty 726 446 61.4%
Personal 188 98 52.1%
The friendliest line in Mississippi appears to be Life, where first-time candidates cleared the exam at 64.4%. Watch-out: The tougher patch is Personal at 52.1%, so candidates in that line should spend extra time on weak-area review. Interesting: Volume tells its own story: Life drew 1,578 first-time candidates, making it the main signal in the state table. Remote testing was reported on 7 lines, so candidates may want to compare the in-person and remote experience where both are available. A few rows have very small sample sizes, which can make a pass rate swing wildly from just one or two exams.

Editorial note: In Mississippi a certificate of completion from an approved course must be submitted to the state’s board of insurance to move your application forward. To satisfy this pre-licensing requirement GetTheLicense.org recommends Achievable.me

41.8% of first time test takers fail the Mississippi Life & Health exam. Start studying with 150 Free Mississippi L&H insurance exam practice questions to ensure you pass on your first attempt!

38.6% of first time test takers fail the Mississippi Property & Casualty exam. Start studying with 100 Free Mississippi P&C insurance exam practice questions to ensure you pass on your first attempt!

Montana insurance exam pass rates

In 2024, Montana reported 1,826 first-time insurance licensing exam attempts in the lines below, with 928 first-time passers and an overall first-time pass rate of 50.8%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Life 653 239 36.6%
Health 477 250 52.4%
Property 355 196 55.2%
Casualty 341 243 71.3%
Montana gives candidates a nice foothold with Casualty, the strongest line in the 2024 data at 71.3%. Watch-out: The more stubborn test in the set is Life at 36.6%, which is a good reminder not to coast on broad insurance knowledge. Interesting: The biggest crowd sat for Life with 653 first-time test takers, so that line heavily shapes the state’s overall 50.8% pass rate. Pass rates also spread by roughly 35 percentage points across reported lines, so line choice matters more here than the statewide average suggests. Remote testing was reported on 4 lines, so candidates may want to compare the in-person and remote experience where both are available.

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Nebraska insurance exam pass rates

In 2024, Nebraska reported 2,779 first-time insurance licensing exam attempts in the lines below, with 1,371 first-time passers and an overall first-time pass rate of 49.3%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Producers Life and Annuities 683 297 43.5%
Producers Sickness, Accident and Health 201 88 43.8%
Producers Life and Annuities, Sickness, Accident and Health 1,109 625 56.4%
Producers Property and Casualty 629 301 47.9%
Producers Personal Lines 23 14 60.9%
Producers Property 34 14 41.2%
Producers Casualty 100 32 32.0%
The bright spot in Nebraska is Producers Life and Annuities, Sickness, Accident and Health, which posted the best first-time pass rate at 56.4%. Watch-out: The caution flag belongs to Producers Casualty, with a first-time pass rate of 32.0%. Interesting: The most-used exam path was Producers Life and Annuities, Sickness, Accident and Health, with 1,109 first-time test takers, which makes it the best weather vane for typical candidate experience in the state. Remote testing was reported on 7 lines, so candidates may want to compare the in-person and remote experience where both are available. A few rows have very small sample sizes, which can make a pass rate swing wildly from just one or two exams.

43.6% of first time test takers fail the Nebraska Life & Health exam. Start studying with 150 Free Nebraska L&H insurance exam practice questions to ensure you pass on your first attempt!

52.1% of first time test takers fail the Nebraska Property & Casualty exam. Start studying with 100 Free Nebraska P&C insurance exam practice questions to ensure you pass on your first attempt!

Nevada insurance exam pass rates

In 2024, Nevada reported 5,452 first-time insurance licensing exam attempts in the lines below, with 2,889 first-time passers and an overall first-time pass rate of 53.0%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Life 1,860 886 47.6%
Health 485 286 59.0%
Life/Health 1,544 846 54.8%
Property 84 44 52.4%
Casualty 123 61 49.6%
Property/Casualty 689 419 60.8%
Personal 667 347 52.0%
The bright spot in Nevada is Property/Casualty, which posted the best first-time pass rate at 60.8%. Watch-out: The caution flag belongs to Life, with a first-time pass rate of 47.6%. Interesting: The most-used exam path was Life, with 1,860 first-time test takers, which makes it the best weather vane for typical candidate experience in the state. Remote testing was reported on 5 lines, so candidates may want to compare the in-person and remote experience where both are available.

45.2% of first time test takers fail the Nevada Life & Health exam. Start studying with 150 Free Nevada L&H insurance exam practice questions to ensure you pass on your first attempt!

39.2% of first time test takers fail the Nevada Property & Casualty exam. Start studying with 100 Free Nevada P&C insurance exam practice questions to ensure you pass on your first attempt!

New Hampshire insurance exam pass rates

In 2024, New Hampshire reported 1,516 first-time insurance licensing exam attempts in the lines below, with 702 first-time passers and an overall first-time pass rate of 46.3%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Life 533 214 40.2%
Accident and health 143 66 46.2%
Life, Accident and Health 768 390 50.8%
Property 1 0 0.0%
Casualty 1 0 0.0%
Personal Lines 70 32 45.7%
The friendliest line in New Hampshire appears to be Life, Accident and Health, where first-time candidates cleared the exam at 50.8%. Watch-out: The tougher patch is Life at 40.2%, so candidates in that line should spend extra time on weak-area review. Interesting: Volume tells its own story: Life, Accident and Health drew 768 first-time candidates, making it the main signal in the state table. Remote testing was reported on 4 lines, so candidates may want to compare the in-person and remote experience where both are available. A few rows have very small sample sizes, which can make a pass rate swing wildly from just one or two exams.

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New Jersey insurance exam pass rates

In 2024, New Jersey reported 12,659 first-time insurance licensing exam attempts in the lines below, with 7,374 first-time passers and an overall first-time pass rate of 58.3%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Accident and Health Producer 3,487 1,957 56.1%
Casualty Producer 1,036 617 59.6%
Life Producer 6,785 4,108 60.5%
Personal Lines Producer 288 215 74.7%
Property Producer 1,063 477 44.9%
The friendliest line in New Jersey appears to be Personal Lines Producer, where first-time candidates cleared the exam at 74.7%. Watch-out: The tougher patch is Property Producer at 44.9%, so candidates in that line should spend extra time on weak-area review. Interesting: Volume tells its own story: Life Producer drew 6,785 first-time candidates, making it the main signal in the state table. Pass rates also spread by roughly 30 percentage points across reported lines, so line choice matters more here than the statewide average suggests. Remote testing was reported on 5 lines, so candidates may want to compare the in-person and remote experience where both are available.

Editorial note: In New Jersey a certificate of completion from an approved course must be submitted to the state’s board of insurance to move your application forward. To satisfy this pre-licensing requirement GetTheLicense.org recommends Achievable.me

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New Mexico insurance exam pass rates

In 2024, New Mexico reported 539 first-time insurance licensing exam attempts in the lines below, with 147 first-time passers and an overall first-time pass rate of 27.3%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
NM Life Insurance Producer 131 24 18.3%
NM Accident and Health or Sickness Insurance Producer 49 15 30.6%
NM Life Accident and Health or Sickness Insurance Producer 149 50 33.6%
NM Casualty Insurance Producer 17 1 5.9%
NM Property Insurance Producer 8 2 25.0%
NM Property and Casualty Insurance Producer 160 41 25.6%
NM Personal Lines Insurance Producer 25 14 56.0%
New Mexico gives candidates a nice foothold with NM Life Accident and Health or Sickness Insurance Producer, the strongest line in the 2024 data at 33.6%. Watch-out: The more stubborn test in the set is NM Life Insurance Producer at 18.3%, which is a good reminder not to coast on broad insurance knowledge. Interesting: The biggest crowd sat for NM Property and Casualty Insurance Producer with 160 first-time test takers, so that line heavily shapes the state’s overall 27.3% pass rate. Remote testing was reported on 7 lines, so candidates may want to compare the in-person and remote experience where both are available. A few rows have very small sample sizes, which can make a pass rate swing wildly from just one or two exams.

66.4% of first time test takers fail the New Mexico Life & Health exam. Start studying with 150 Free New Mexico L&H insurance exam practice questions to ensure you pass on your first attempt!

74.4% of first time test takers fail the New Mexico Property & Casualty exam. Start studying with 100 Free New Mexico P&C insurance exam practice questions to ensure you pass on your first attempt!

New York insurance exam pass rates

In 2024, New York reported 19,650 first-time insurance licensing exam attempts in the lines below, with 11,276 first-time passers and an overall first-time pass rate of 57.4%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Accident and Health Insurance Agent/Broker Exam Series 17-52 1,800 990 55.0%
Examination for Life, Accident and Health Insurance Laws and Regulations Series 17-73 798 365 45.7%
Examination for Property and Casualty Insurance Laws and Regulations Series 17-74 249 95 38.2%
Life Insurance Agent/Broker Exam Series 17-51 5,269 2,976 56.5%
Life, Accident and Health Insurance Agent/Broker Exam Series 17-55 8,223 4,743 57.7%
Personal Lines Insurance Agent/Broker Exam Series 17-54 884 599 67.8%
Property and Casualty Insurance Agent/Broker Exam Series 17-56 2,427 1,508 62.1%
New York gives candidates a nice foothold with Personal Lines Insurance Agent/Broker Exam Series 17-54, the strongest line in the 2024 data at 67.8%. Watch-out: The more stubborn test in the set is Examination for Property and Casualty Insurance Laws and Regulations Series 17-74 at 38.2%, which is a good reminder not to coast on broad insurance knowledge. Interesting: The biggest crowd sat for Life, Accident and Health Insurance Agent/Broker Exam Series 17-55 with 8,223 first-time test takers, so that line heavily shapes the state’s overall 57.4% pass rate. Pass rates also spread by roughly 30 percentage points across reported lines, so line choice matters more here than the statewide average suggests. Remote testing was reported on 7 lines, so candidates may want to compare the in-person and remote experience where both are available.

Editorial note: In New York a certificate of completion from an approved course must be submitted to the state’s board of insurance to move your application forward. To satisfy this pre-licensing requirement GetTheLicense.org recommends Achievable.me

42.3% of first time test takers fail the New York Life & Health exam. Start studying with 150 Free New York L&H insurance exam practice questions to ensure you pass on your first attempt!

37.9% of first time test takers fail the New York Property & Casualty exam. Start studying with 100 Free New York P&C insurance exam practice questions to ensure you pass on your first attempt!

North Carolina insurance exam pass rates

In 2024, North Carolina reported 17,382 first-time insurance licensing exam attempts in the lines below, with 9,724 first-time passers and an overall first-time pass rate of 55.9%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Life 7,255 3,951 54.5%
Health 5,368 3,359 62.6%
Property 2,153 1,052 48.9%
Casualty 2,108 1,141 54.1%
Personal 498 221 44.4%
The friendliest line in North Carolina appears to be Health, where first-time candidates cleared the exam at 62.6%. Watch-out: The tougher patch is Personal at 44.4%, so candidates in that line should spend extra time on weak-area review. Interesting: Volume tells its own story: Life drew 7,255 first-time candidates, making it the main signal in the state table.

Editorial note: In North Carolina a certificate of completion from an approved course must be submitted to the state’s board of insurance to move your application forward. To satisfy this pre-licensing requirement GetTheLicense.org recommends Achievable.me

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North Dakota insurance exam pass rates

In 2024, North Dakota reported 1,302 first-time insurance licensing exam attempts in the lines below, with 743 first-time passers and an overall first-time pass rate of 57.1%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Life and Annuity 498 290 58.2%
Accident and Health 398 248 62.3%
Property 205 120 58.5%
Casualty 193 82 42.5%
Personal Lines 8 3 37.5%
The friendliest line in North Dakota appears to be Accident and Health, where first-time candidates cleared the exam at 62.3%. Watch-out: The tougher patch is Casualty at 42.5%, so candidates in that line should spend extra time on weak-area review. Interesting: Volume tells its own story: Life and Annuity drew 498 first-time candidates, making it the main signal in the state table. Remote testing was reported on 5 lines, so candidates may want to compare the in-person and remote experience where both are available. A few rows have very small sample sizes, which can make a pass rate swing wildly from just one or two exams.

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Ohio insurance exam pass rates

In 2024, Ohio reported 11,753 first-time insurance licensing exam attempts in the lines below, with 7,228 first-time passers and an overall first-time pass rate of 61.5%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Accident and Health Agent Series 11-45 1,167 858 73.5%
Casualty Series 11-47 15 7 46.7%
Life Agent Series 11-44 3,202 1,752 54.7%
Life, Accident and Health Series 11-35 4,928 3,146 63.8%
Personal Lines Series 11-43 475 230 48.4%
Property and Casualty Insurance Agent Series 11-36 1,950 1,232 63.2%
Property Insurance Agent Series 11-46 16 3 18.8%
The bright spot in Ohio is Accident and Health Agent Series 11-45, which posted the best first-time pass rate at 73.5%. Watch-out: The caution flag belongs to Personal Lines Series 11-43, with a first-time pass rate of 48.4%. Interesting: The most-used exam path was Life, Accident and Health Series 11-35, with 4,928 first-time test takers, which makes it the best weather vane for typical candidate experience in the state. Pass rates also spread by roughly 25 percentage points across reported lines, so line choice matters more here than the statewide average suggests. Remote testing was reported on 7 lines, so candidates may want to compare the in-person and remote experience where both are available. A few rows have very small sample sizes, which can make a pass rate swing wildly from just one or two exams.

Editorial note: In Ohio a certificate of completion from an approved course must be submitted to the state’s board of insurance to move your application forward. To satisfy this pre-licensing requirement GetTheLicense.org recommends Achievable.me

46.2% of first time test takers fail the Ohio Life & Health exam. Start studying with 150 Free Ohio L&H insurance exam practice questions to ensure you pass on your first attempt!

46.8% of first time test takers fail the Ohio Property & Casualty exam. Start studying with 100 Free Ohio P&C insurance exam practice questions to ensure you pass on your first attempt!

Oklahoma insurance exam pass rates

In 2024, Oklahoma reported 6,340 first-time insurance licensing exam attempts in the lines below, with 3,463 first-time passers and an overall first-time pass rate of 54.6%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Life 1,561 822 52.7%
Accident & Health or Sickness 554 269 48.6%
Life, Accident & Health or Sickness 2,434 1,457 59.9%
Personal Lines 316 147 46.5%
Property and Casualty 1,434 756 52.7%
Casualty 28 9 32.1%
Property 13 3 23.1%
The friendliest line in Oklahoma appears to be Life, Accident & Health or Sickness, where first-time candidates cleared the exam at 59.9%. Watch-out: The tougher patch is Personal Lines at 46.5%, so candidates in that line should spend extra time on weak-area review. Interesting: Volume tells its own story: Life, Accident & Health or Sickness drew 2,434 first-time candidates, making it the main signal in the state table. Remote testing was reported on 7 lines, so candidates may want to compare the in-person and remote experience where both are available. A few rows have very small sample sizes, which can make a pass rate swing wildly from just one or two exams.

40.1% of first time test takers fail the Oklahoma Life & Health exam. Start studying with 150 Free Oklahoma L&H insurance exam practice questions to ensure you pass on your first attempt!

47.3% of first time test takers fail the Oklahoma Property & Casualty exam. Start studying with 100 Free Oklahoma P&C insurance exam practice questions to ensure you pass on your first attempt!

Oregon insurance exam pass rates

In 2024, Oregon reported 3,270 first-time insurance licensing exam attempts in the lines below, with 1,834 first-time passers and an overall first-time pass rate of 56.1%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Casualty Insurance Producer 59 31 52.5%
Health Insurance Producer 270 178 65.9%
Life and Health Insurance Producer 1,415 868 61.3%
Life Insurance Producer 653 290 44.4%
Personal Lines Producer 60 36 60.0%
Property and Casualty Insurance Producer 783 408 52.1%
Property Insurance Producer 30 23 76.7%
The bright spot in Oregon is Health Insurance Producer, which posted the best first-time pass rate at 65.9%. Watch-out: The caution flag belongs to Life Insurance Producer, with a first-time pass rate of 44.4%. Interesting: The most-used exam path was Life and Health Insurance Producer, with 1,415 first-time test takers, which makes it the best weather vane for typical candidate experience in the state. Remote testing was reported on 7 lines, so candidates may want to compare the in-person and remote experience where both are available.

Editorial note: In Oregon a certificate of completion from an approved course must be submitted to the state’s board of insurance to move your application forward. To satisfy this pre-licensing requirement GetTheLicense.org recommends Achievable.me

38.7% of first time test takers fail the Oregon Life & Health exam. Start studying with 150 Free Oregon L&H insurance exam practice questions to ensure you pass on your first attempt!

47.9% of first time test takers fail the Oregon Property & Casualty exam. Start studying with 100 Free Oregon P&C insurance exam practice questions to ensure you pass on your first attempt!

Pennsylvania insurance exam pass rates

In 2024, Pennsylvania reported 12,122 first-time insurance licensing exam attempts in the lines below, with 7,103 first-time passers and an overall first-time pass rate of 58.6%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Accident and Health 1,146 638 55.7%
Life Insurance 3,653 2,033 55.7%
Life, Accident and Health 4,762 3,072 64.5%
Property and Allied Lines 10 5 50.0%
Casualty and Allied Lines 40 17 42.5%
Personal Lines 263 124 47.1%
Property and Casualty 2,248 1,214 54.0%
The bright spot in Pennsylvania is Life, Accident and Health, which posted the best first-time pass rate at 64.5%. Watch-out: The caution flag belongs to Personal Lines, with a first-time pass rate of 47.1%. Interesting: The most-used exam path was Life, Accident and Health, with 4,762 first-time test takers, which makes it the best weather vane for typical candidate experience in the state. Remote testing was reported on 7 lines, so candidates may want to compare the in-person and remote experience where both are available. A few rows have very small sample sizes, which can make a pass rate swing wildly from just one or two exams.

Editorial note: In Pennsylvania a certificate of completion from an approved course must be submitted to the state’s board of insurance to move your application forward. To satisfy this pre-licensing requirement GetTheLicense.org recommends Achievable.me

35.5% of first time test takers fail the Pennsylvania Life & Health exam. Start studying with 150 Free Pennsylvania L&H insurance exam practice questions to ensure you pass on your first attempt!

46% of first time test takers fail the Pennsylvania Property & Casualty exam. Start studying with 100 Free Pennsylvania P&C insurance exam practice questions to ensure you pass on your first attempt!

Rhode Island insurance exam pass rates

In 2024, Rhode Island reported 1,349 first-time insurance licensing exam attempts in the lines below, with 841 first-time passers and an overall first-time pass rate of 62.3%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Life 549 334 60.8%
Health 391 217 55.5%
Property 160 111 69.4%
Casualty 162 118 72.8%
Personal 87 61 70.1%
The friendliest line in Rhode Island appears to be Casualty, where first-time candidates cleared the exam at 72.8%. Watch-out: The tougher patch is Health at 55.5%, so candidates in that line should spend extra time on weak-area review. Interesting: Volume tells its own story: Life drew 549 first-time candidates, making it the main signal in the state table. Remote testing was reported on 5 lines, so candidates may want to compare the in-person and remote experience where both are available.

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South Carolina insurance exam pass rates

In 2024, South Carolina reported 8,355 first-time insurance licensing exam attempts in the lines below, with 4,597 first-time passers and an overall first-time pass rate of 55.0%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Life 2,038 1,103 54.1%
Health 684 305 44.6%
Life/Health 3,327 1,891 56.8%
Property 125 66 52.8%
Casualty 159 89 56.0%
Property/Casualty 1,593 894 56.1%
Personal 429 249 58.0%
South Carolina gives candidates a nice foothold with Personal, the strongest line in the 2024 data at 58.0%. Watch-out: The more stubborn test in the set is Health at 44.6%, which is a good reminder not to coast on broad insurance knowledge. Interesting: The biggest crowd sat for Life/Health with 3,327 first-time test takers, so that line heavily shapes the state’s overall 55.0% pass rate. Remote testing was reported on 7 lines, so candidates may want to compare the in-person and remote experience where both are available.

43.2% of first time test takers fail the South Carolina Life & Health exam. Start studying with 150 Free South Carolina L&H insurance exam practice questions to ensure you pass on your first attempt!

43.9% of first time test takers fail the South Carolina Property & Casualty exam. Start studying with 100 Free South Carolina P&C insurance exam practice questions to ensure you pass on your first attempt!

South Dakota insurance exam pass rates

In 2024, South Dakota reported 1,344 first-time insurance licensing exam attempts in the lines below, with 850 first-time passers and an overall first-time pass rate of 63.2%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Life 440 262 59.5%
Health 129 66 51.2%
Life/Health 463 299 64.6%
Property 2 1 50.0%
Casualty 5 2 40.0%
Property/Casualty 286 205 71.7%
Personal 19 15 78.9%
South Dakota gives candidates a nice foothold with Property/Casualty, the strongest line in the 2024 data at 71.7%. Watch-out: The more stubborn test in the set is Health at 51.2%, which is a good reminder not to coast on broad insurance knowledge. Interesting: The biggest crowd sat for Life/Health with 463 first-time test takers, so that line heavily shapes the state’s overall 63.2% pass rate. Remote testing was reported on 7 lines, so candidates may want to compare the in-person and remote experience where both are available. A few rows have very small sample sizes, which can make a pass rate swing wildly from just one or two exams.

35.4% of first time test takers fail the South Dakota Life & Health exam. Start studying with 150 Free South Dakota L&H insurance exam practice questions to ensure you pass on your first attempt!

28.3% of first time test takers fail the South Dakota Property & Casualty exam. Start studying with 100 Free South Dakota P&C insurance exam practice questions to ensure you pass on your first attempt!

Tennessee insurance exam pass rates

In 2024, Tennessee reported 15,431 first-time insurance licensing exam attempts in the lines below, with 10,890 first-time passers and an overall first-time pass rate of 70.6%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Life 6,792 4,872 71.7%
Health 4,578 3,131 68.4%
Property 1,778 1,220 68.6%
Casualty 1,742 1,320 75.8%
Personal 541 347 64.1%
The friendliest line in Tennessee appears to be Casualty, where first-time candidates cleared the exam at 75.8%. Watch-out: The tougher patch is Personal at 64.1%, so candidates in that line should spend extra time on weak-area review. Interesting: Volume tells its own story: Life drew 6,792 first-time candidates, making it the main signal in the state table. Remote testing was reported on 4 lines, so candidates may want to compare the in-person and remote experience where both are available.

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Texas insurance exam pass rates

In 2024, Texas reported 63,258 first-time insurance licensing exam attempts in the lines below, with 35,130 first-time passers and an overall first-time pass rate of 55.5%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Life 21,923 10,266 46.8%
Life/Health 26,042 15,486 59.5%
Property/Casualty 10,333 6,029 58.3%
Personal 4,960 3,349 67.5%
Texas gives candidates a nice foothold with Personal, the strongest line in the 2024 data at 67.5%. Watch-out: The more stubborn test in the set is Life at 46.8%, which is a good reminder not to coast on broad insurance knowledge. Interesting: The biggest crowd sat for Life/Health with 26,042 first-time test takers, so that line heavily shapes the state’s overall 55.5% pass rate. Remote testing was reported on 4 lines, so candidates may want to compare the in-person and remote experience where both are available.

40.5% of first time test takers fail the Texas Life & Health exam. Start studying with 150 Free Texas L&H insurance exam practice questions to ensure you pass on your first attempt!

41.7% of first time test takers fail the Texas Property & Casualty exam. Start studying with 100 Free Texas P&C insurance exam practice questions to ensure you pass on your first attempt!

Utah insurance exam pass rates

In 2024, Utah reported 8,155 first-time insurance licensing exam attempts in the lines below, with 4,414 first-time passers and an overall first-time pass rate of 54.1%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Accident and Health 545 357 65.5%
Life, Accident and Health 3,550 1,924 54.2%
Casualty 5 4 80.0%
Property 9 4 44.4%
Property and Casualty 1,756 948 54.0%
Life 2,137 1,093 51.1%
Personal Lines 153 84 54.9%
The bright spot in Utah is Accident and Health, which posted the best first-time pass rate at 65.5%. Watch-out: The caution flag belongs to Life, with a first-time pass rate of 51.1%. Interesting: The most-used exam path was Life, Accident and Health, with 3,550 first-time test takers, which makes it the best weather vane for typical candidate experience in the state. Remote testing was reported on 6 lines, so candidates may want to compare the in-person and remote experience where both are available. A few rows have very small sample sizes, which can make a pass rate swing wildly from just one or two exams.

45.8% of first time test takers fail the Utah Life & Health exam. Start studying with 150 Free Utah L&H insurance exam practice questions to ensure you pass on your first attempt!

46% of first time test takers fail the Utah Property & Casualty exam. Start studying with 100 Free Utah P&C insurance exam practice questions to ensure you pass on your first attempt!

Virginia insurance exam pass rates

In 2024, Virginia reported 12,960 first-time insurance licensing exam attempts in the lines below, with 7,791 first-time passers and an overall first-time pass rate of 60.1%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Health 958 654 68.3%
Life and Annuities 3,463 1,946 56.2%
Life, Annuities and Health 4,664 2,746 58.9%
Property and Casualty 2,406 1,420 59.0%
Personal Lines 1,469 1,025 69.8%
The bright spot in Virginia is Personal Lines, which posted the best first-time pass rate at 69.8%. Watch-out: The caution flag belongs to Life and Annuities, with a first-time pass rate of 56.2%. Interesting: The most-used exam path was Life, Annuities and Health, with 4,664 first-time test takers, which makes it the best weather vane for typical candidate experience in the state. Remote testing was reported on 5 lines, so candidates may want to compare the in-person and remote experience where both are available.

41.1% of first time test takers fail the Virginia Life & Health exam. Start studying with 150 Free Virginia L&H insurance exam practice questions to ensure you pass on your first attempt!

41% of first time test takers fail the Virginia Property & Casualty exam. Start studying with 100 Free Virginia P&C insurance exam practice questions to ensure you pass on your first attempt!

Vermont insurance exam pass rates

In 2024, Vermont reported 536 first-time insurance licensing exam attempts in the lines below, with 243 first-time passers and an overall first-time pass rate of 45.3%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Life 116 53 45.7%
Accident, Health and HMO 15 8 53.3%
Life, Accident, Health and HMO 246 110 44.7%
Property & Casualty 139 64 46.0%
Property 2 2 100.0%
Casualty 4 2 50.0%
Personal Lines 14 4 28.6%
The bright spot in Vermont is Property & Casualty, which posted the best first-time pass rate at 46.0%. Watch-out: The caution flag belongs to Life, Accident, Health and HMO, with a first-time pass rate of 44.7%. Interesting: The most-used exam path was Life, Accident, Health and HMO, with 246 first-time test takers, which makes it the best weather vane for typical candidate experience in the state. Remote testing was reported on 7 lines, so candidates may want to compare the in-person and remote experience where both are available. A few rows have very small sample sizes, which can make a pass rate swing wildly from just one or two exams.

55.3% of first time test takers fail the Vermont Life & Health exam. Start studying with 150 Free Vermont L&H insurance exam practice questions to ensure you pass on your first attempt!

54% of first time test takers fail the Vermont Property & Casualty exam. Start studying with 100 Free Vermont P&C insurance exam practice questions to ensure you pass on your first attempt!

Washington insurance exam pass rates

In 2024, Washington reported 7,530 first-time insurance licensing exam attempts in the lines below, with 3,979 first-time passers and an overall first-time pass rate of 52.8%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Casualty Producer 68 22 32.4%
Disability Producer 498 292 58.6%
Life and Disability Producer Combo 3,139 1,832 58.4%
Life Producer 2,056 881 42.9%
Personal Lines Producer 173 105 60.7%
Property and Casualty Producer Combo 1,542 823 53.4%
Property Producer 54 24 44.4%
The friendliest line in Washington appears to be Personal Lines Producer, where first-time candidates cleared the exam at 60.7%. Watch-out: The tougher patch is Casualty Producer at 32.4%, so candidates in that line should spend extra time on weak-area review. Interesting: Volume tells its own story: Life and Disability Producer Combo drew 3,139 first-time candidates, making it the main signal in the state table. Pass rates also spread by roughly 28 percentage points across reported lines, so line choice matters more here than the statewide average suggests. Remote testing was reported on 7 lines, so candidates may want to compare the in-person and remote experience where both are available.

41.6% of first time test takers fail the Washington Life & Health exam. Start studying with 150 Free Washington L&H insurance exam practice questions to ensure you pass on your first attempt!

46.4% of first time test takers fail the Washington Property & Casualty exam. Start studying with 100 Free Washington P&C insurance exam practice questions to ensure you pass on your first attempt!

West Virginia insurance exam pass rates

In 2024, West Virginia reported 2,125 first-time insurance licensing exam attempts in the lines below, with 1,117 first-time passers and an overall first-time pass rate of 52.6%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Life 798 400 50.1%
Health 976 568 58.2%
Property 4 2 50.0%
Casualty 1 0 0.0%
Property/Casualty 330 134 40.6%
Personal 16 13 81.2%
West Virginia gives candidates a nice foothold with Health, the strongest line in the 2024 data at 58.2%. Watch-out: The more stubborn test in the set is Property/Casualty at 40.6%, which is a good reminder not to coast on broad insurance knowledge. Interesting: The biggest crowd sat for Health with 976 first-time test takers, so that line heavily shapes the state’s overall 52.6% pass rate. A few rows have very small sample sizes, which can make a pass rate swing wildly from just one or two exams.

Editorial note: In West Virginia a certificate of completion from an approved course must be submitted to the state’s board of insurance to move your application forward. To satisfy this pre-licensing requirement GetTheLicense.org recommends Achievable.me

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Wisconsin insurance exam pass rates

In 2024, Wisconsin reported 7,215 first-time insurance licensing exam attempts in the lines below, with 4,192 first-time passers and an overall first-time pass rate of 58.1%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Accident and Health – State Specific Series 22-04 240 91 37.9%
Accident and Health: General and State Series 22-03 1,889 1,063 56.3%
Casualty – State Specific Series 22-08 109 66 60.6%
Casualty : General and State Series 22-07 980 583 59.5%
Life – State Specific Series 22-02 284 159 56.0%
Life: General and State Series 22-01 2,547 1,546 60.7%
Personal Lines – State Specific Series 22-10 6 3 50.0%
Personal Lines: General and State Series 22-09 46 27 58.7%
Property – State Specific Series 22-06 118 67 56.8%
Property: General and State Series 22-05 996 587 58.9%
The bright spot in Wisconsin is Life: General and State Series 22-01, which posted the best first-time pass rate at 60.7%. Watch-out: The caution flag belongs to Accident and Health – State Specific Series 22-04, with a first-time pass rate of 37.9%. Interesting: The most-used exam path was Life: General and State Series 22-01, with 2,547 first-time test takers, which makes it the best weather vane for typical candidate experience in the state. Remote testing was reported on 10 lines, so candidates may want to compare the in-person and remote experience where both are available. A few rows have very small sample sizes, which can make a pass rate swing wildly from just one or two exams.

Editorial note: In Wisconsin a certificate of completion from an approved course must be submitted to the state’s board of insurance to move your application forward. To satisfy this pre-licensing requirement GetTheLicense.org recommends Achievable.me

Back to state list

Wyoming insurance exam pass rates

In 2024, Wyoming reported 624 first-time insurance licensing exam attempts in the lines below, with 375 first-time passers and an overall first-time pass rate of 60.1%.

Licensing exam line First-time test takers First-time passers 2024 first-time pass rate
Life 157 99 63.1%
Health 40 18 45.0%
Life/Health 233 147 63.1%
Property 2 1 50.0%
Casualty 5 2 40.0%
Property/Casualty 187 108 57.8%
The friendliest line in Wyoming appears to be Life/Health, where first-time candidates cleared the exam at 63.1%. Watch-out: The tougher patch is Property/Casualty at 57.8%, so candidates in that line should spend extra time on weak-area review. Interesting: Volume tells its own story: Life/Health drew 233 first-time candidates, making it the main signal in the state table. Remote testing was reported on 4 lines, so candidates may want to compare the in-person and remote experience where both are available. A few rows have very small sample sizes, which can make a pass rate swing wildly from just one or two exams.

46.9% of first time test takers fail the Wyoming Life & Health exam. Start studying with 150 Free Wyoming L&H insurance exam practice questions to ensure you pass on your first attempt!

42.2% of first time test takers fail the Wyoming Property & Casualty exam. Start studying with 100 Free Wyoming P&C insurance exam practice questions to ensure you pass on your first attempt!

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Insurance exam pass rates by state
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About This Guide

This guide was created by GetTheLicense.org to help future insurance producers understand how difficult the insurance licensing exam can be from one state to the next. We analyzed the NAIC’s most recent available 2024 insurance exam pass-rate data and organized it by state and line of authority so you can compare Life, Health, Property, Casualty, Personal Lines, and related licensing exams in one place.

Pass rates are useful, but they do not tell the whole story. A lower pass rate does not always mean a state is impossible, and a higher pass rate does not mean the exam is easy. Testing vendor, state-specific law content, exam format, candidate preparation, and the quality of study materials all play a role. That is why each state section includes a quick editorial note highlighting what looks encouraging, what deserves caution, and what is especially interesting about that state’s results.

Our goal is simple: give you a clearer picture of what you are walking into before exam day. Whether you are trying to figure out how hard the insurance licensing exam is, how to pass the insurance license exam on your first try, or which insurance exam study tips actually matter, this page is designed to help you study smarter instead of wandering into the testing center with crossed fingers and a pocketful of panic.

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